????????????,??“??”,????

??

???????????????2?14?? (? ???????? ????)“2???,3????4.3%,?‘??????????’??????????????”???

?,????????????????????????????????????????,???????????4%??????????3%????????????????????,????????????200BP???,???,????????????????????,??

??????????????4%

2???????????????????13?,????App??????????,?2025????3???????“?????????????”3???????????????6??1??????2.5%?2.7%????3.0%,??5000????????????????????????,2025????????????3??“???????????????”?2??????9????????????????????????

??,1??????????22???????????2????????????7?????????,????1????????“???????????????”??1???????????3?????????6????????????1??4.25%?4.15%?4.10%??????4%?

?????:???App? ???

???,???????????????????1??????????????4%????3%,??100??BP????????,2??13????????????,????????????,???????????,“????”??????????????????????????,???????????????????,???????,?????

“???????????????”???????????????,2025???????????2??????????8??,“??”????,?????????????3000(???????????)???????????????2.1%,?3000(????)???????????2.5%????????,??????????????“??????????”????????????3000(?????????????????????)??????????????,?????????????????4.3%???????????????4.0%???,??????????220???????????BP?150???????????????BP,??????“??????????”?

??????2????????13????,?????????,????????????????,2????????????????12????,??????????????8000(?)?????,3??6?????13?????????2.5%?2.7%??????2.8%,??100??????????8000(???????????)?,3???6??13????2.4%?2.6%???2.7%???1?????,??????4%??????????

??????????????:?????????????????App

???

???????????,?,??,??????????????????????,?;?????????????,?????????,??????????,???;??,??

???,???????????????,??????,????????????????,???????????????????????,??

“??????????????”?????????????????????????????????????,??,??,??????,??;??????????????,???????????,?????????????????????????????,????????,???????????????

????????????????????,??????,???????????,??????,??,??,????,??????????????????????

????????,??2025?????(2025??????1?),??????,?,?,????

?????????????,????????????,???????????????,????????????,????,????,???????????

?,???????????????????????????,??????????????????????,???????????????????????????????????,??,????

??????????,?,??,???,?????????????????,???????,????????????,???,?,??????????????,??????????????????,?,????????????,???,???????

(???,????????????????:weiwei@chinanews.com.cn)(??APP)

(??,????,?????????,??)

???????????,??,?????????????

???????????:?????

?????????

?????????????????,??“??”,?????????

????????